Add-on application for point of sale device

ABSTRACT

A point of sale application may initially process a transaction between a customer and a merchant. While the point of sale application processes the transaction, an add-on application may monitor a current state of a user interface of the point of sale application. Upon recognizing a triggering event associated with the current state of the user interface, the add-on application may take over the processing of the transaction from the point of sale application. Upon completion of the processing of the transaction, the add-on application may return a result of the transaction to the point of sale application by emulating user actions on the user interface of the point of sale application.

RELATED APPLICATIONS

This application is a Continuation Application of U.S. application Ser.No. 16/449,275, filed on 21 Jun. 2019, which is incorporated byreference herein.

FIELD OF THE INVENTION

The present invention relates to the processing of a transaction betweena merchant and a customer using a point of sale application and anadd-on application, and more particularly relates to transitioning theprocessing of the transaction between the point of sale application andthe add-on application.

BACKGROUND

Point of sale systems are widely used to process transactions betweencustomers and merchants. Functions performed by typical point of salesystems include generating a list of items (or services) to be purchased(sometimes called an invoice or a purchase order), calculating a totalamount to be paid by a customer, facilitating the transfer of funds froma customer to a merchant, printing a receipt, etc. Some point of salesystems may also facilitate loyalty programs, providing rewards tocustomers based on their purchasing history.

SUMMARY OF THE INVENTION

In accordance with one embodiment of the invention, an add-onapplication running on a point of sale device may monitor a currentstate (e.g., payment state, refund state, checkout state, etc.) of auser interface of a point of sale application also running on the pointof sale device. The monitoring of the current state may include parsingimages of the interface using optical character recognition (OCR),computer vision, machine learning or another methodology and/orcomparing current fingerprints of the interface with fingerprints takenof the interface during an initial configuration process to determinethe current state of the user interface. In response to a determinedcurrent state, on-screen overlay buttons may be displayed on the userinterface of the point of sale application. Upon recognizing atriggering event associated with the current state of the user interfaceof the point of sale application, the processing of the transaction maytransition from the point of sale application to the add-on application.Example triggering events may include recognizing an intent of thecustomer or the merchant to start using financial instruments totransfer funds from the customer to the merchant, or refund funds fromthe merchant back to the customer. One example of a triggering event isthe selection of the above-mentioned on-screen overlay button.

Upon taking over the processing of the transaction, the add-onapplication may extract a total amount from the user interface of thepoint of sale application (e.g., total amount to be paid by thecustomer, total amount to be refunded to the customer, etc.). The add-onapplication may then receive identifying information of the customer,which can be used to link the customer with his/her rewards account (ormore generally any account associated with the customer). In the case ofa credit card transaction, the credit card number of the customer may beused as the identifying information of the customer and may be used tolook-up the rewards account of the customer (specifically, a rewardsaccount not provided by the issuer of the credit card), in which casethe “login” of the customer requires no additional action beyond what acustomer is accustomed to doing during a typical credit cardtransaction. In the case of a cash transaction, a phone number or otheridentifying information of the customer may be used to look-up therewards account of the customer.

The add-on application may then process the transaction. In the case ofa purchase, the add-on application may facilitate funds to betransferred from the customer to the merchant (e.g., processing a creditcard, displaying a user interface to facilitate a cash transaction,etc.). Reward points from the reward account of the customer may also beredeemed to provide the customer with a discount on his/her purchase. Inthe case of a refund, the add-on application may facilitate funds to betransferred from the merchant to the customer. Upon completion of theprocessing of the transaction, the add-on application may recordinformation associated with the transaction with the rewards account ofthe customer (e.g., total amount paid, total amount refunded, itemspurchase, items refunded, reward points redeemed, reward points earned,etc.).

Upon completion of the processing of the transaction, the add-onapplication may also return a result of the transaction to the point ofsale application by emulating user actions on the user interface of thepoint of sale application. Emulated user actions on the user interfaceof the point of sale application may include selection of an “othertenders” button (or other user interface element) on the user interfaceof the point of sale application so as to navigate to an accountingscreen within which emulated user actions can be performed to input theamount paid by or refunded to the customer.

These and other embodiments of the invention are more fully described inassociation with the drawings below.

BRIEF DESCRIPTION OF THE DRAWINGS

FIG. 1 depicts a block diagram of a point of sale system to process atransaction between a merchant and a customer, in accordance with oneembodiment of the invention.

FIGS. 2A-2J depict screenshots of user interfaces to process a paymentusing a credit card, in accordance with one embodiment of the invention.

FIGS. 3A-3D depict screenshots of user interfaces to process a cashtransaction, in accordance with one embodiment of the invention.

FIGS. 4A-4J depict screenshots of user interfaces to process atransaction involving the redemption of rewards, in accordance with oneembodiment of the invention.

FIGS. 5A-5F depict screenshots of user interfaces to process a refund,in accordance with one embodiment of the invention.

FIGS. 6A and 6B depict screenshots of user interfaces to add a newpayment type, in accordance with one embodiment of the invention.

FIGS. 7A-7E depict screenshots of user interfaces to train the add-onapplication to recognize various states and elements of a user interfaceprovided by a point of sale application, in accordance with oneembodiment of the invention.

FIG. 8 depicts a sequence diagram for processing a transaction between amerchant and a customer using a point of sale application and an add-onapplication, in accordance with one embodiment of the invention.

FIG. 9 depicts a sequence diagram for processing a payment from acustomer using a point of sale application and an add-on application, inaccordance with one embodiment of the invention.

FIG. 10 depicts a sequence diagram for processing a transactioninvolving the redemption of rewards using a point of sale applicationand an add-on application, in accordance with one embodiment of theinvention.

FIG. 11 depicts a sequence diagram for processing a refund to a customerusing a point of sale application and an add-on application, inaccordance with one embodiment of the invention.

FIG. 12 depicts components of a computer system in which computerreadable instructions instantiating the methods of the present inventionmay be stored and executed.

DETAILED DESCRIPTION OF THE INVENTION

In the following detailed description of the preferred embodiments,reference is made to the accompanying drawings that form a part hereof,and in which are shown by way of illustration specific embodiments inwhich the invention may be practiced. It is understood that otherembodiments may be utilized and structural changes may be made withoutdeparting from the scope of the present invention. Descriptionsassociated with any one of the figures may be applied to differentfigures containing like or similar components/steps. While the sequencediagrams each present a series of steps in a certain order, the order ofsome of the steps may be changed.

FIG. 1 depicts block diagram 100 of a point of sale system (or moregenerally, a system for processing a transaction) that is configuredprocess a transaction between merchant 112 and customer 124. The pointof sale system may include point of sale device 102 on which a point ofsale application 104 and an add-on application 106 may be installed.Point of sale application 104 (on its own, without any actions fromadd-on application 106) may be used to process one or more transactionsbetween merchant 112 and customer 124. A transaction may include one ormore of customer 124 making a purchase, merchant 112 processing apurchase for customer 124, customer 124 making a refund, or merchant 112processing a refund for customer 124. An example of a point of saleapplication 104 is Aronium, provided by Aronium of Belgrade, Serbia.

Add-on application 106 may emulate certain functionality of point ofsale application 104 (e.g., charge a credit card of the customer, ringup a cash transaction). In certain instances, merchant 112 and/orcustomer 124 may be given the choice of either using point of saleapplication 104 or add-on application 106 to process a transaction. Inother instances, merchant 112 and/or customer 124 may be directed to useadd-on application 106 to process a transaction (or complete theprocessing of a transaction). Add-on application 106 may additionallyprovide functionality that point of sale application 104 does not offer.For example, add-on application 106 may enroll customer 124 in a rewards(or loyalty) program, track the purchases and/or refunds of customer124, and allow customer 124 to redeem rewards earned through the rewardsprogram. Even if point of sale application 104 were to offer a rewardsprogram, add-on application 106 may offer a rewards program withfunctionality beyond what the rewards program of point of saleapplication 104 offers. For example, the rewards program of point ofsale application 104 may be configured to work with a single merchant,whereas the rewards program of add-on application 106 may be configuredto work with multiple merchants, such that rewards earned through onemerchant can be redeemed at another merchant. As an additional example,add-on application 106 may allow merchant 112 to process transactionswith financial institutions that may or may not already be nativelysupported by point of sale application 104, or allow customer 124 toutilize financial instruments for payment that are not nativelysupported by point of sale application 104, such as contact andcontactless EMV credit that may or may not be natively supported bypoint of sale application 104, or alternative payment methods likeAliPay® that similarly may or may not be natively supported by point ofsale application 104.

Once add-on application 106 is installed on point of sale device 102,the processing of a transaction may seamlessly transition between add-onapplication 106 and point of sale application 104. Importantly, add-onapplication 106 does not modify the source code of point of saleapplication 104. Instead, add-on application 106 is able to operate withpoint of sale application 104 by, for example, monitoring the currentstate of point of sale application 104, overlaying or inserting userinterface elements (e.g., buttons) into the user interface provided bypoint of sale application 104, presenting user interfaces additional tothose of point of sale application 104, and/or emulating user actions(e.g., performing mouse clicks, inputting text, etc.) in the userinterface of point of sale application 104. Such functionality will bedescribed in detail in the description associated with the screenshotspresented in the subsequent figures. An example of add-on application106 is Fivestars®, provided by Fivestars® of San Francisco, Calif.

In one embodiment, point of sale application 104 and add-on application106 may run on operating system 110 of point of sale device 102 (i.e.,without the use of a web browser 108 which is shown as an optionalcomponent in FIG. 1 ). In another embodiment, point of sale application104 and add-on application 106 may be browser plugins that run on webbrowser 108 of point of sale device 102. Web browser 108, in turn, mayrun on operating system 110.

Merchant 112 may communicate with point of sale device 102 via terminal114 a. Terminal 114 a may include display device 116 a (e.g., an LCDdisplay, a touchscreen display, etc.), card reader 118 a (e.g., a creditcard reader, a debit card reader, a gift card reader, etc.), and otherinput/output (I/O) devices 120 a (e.g., a near-field communication (NFC)reader to communicate with Apple Pay®, Google Pay®; a Bluetooth® orBluetooth® low energy device to communicate with contactless alternativepayment methods; a cursor controlling device such as a mouse; a videocamera to monitor the contents of display device 116 a; a microphone toallow for voice control; etc.). Cash/coin drawer 122 may also becommunicatively coupled to terminal 114 a and/or point of sale device102, and may open in response to an open instruction so as to allowmerchant 112 to provide change to customer 124 and/or accept a cashpayment from customer 124.

Customer 124 may communicate with point of sale device 102 via terminal114 b. Terminal 114 b may include display device 116 b (e.g., an LCDdisplay, a touchscreen display, etc.), card reader 118 b (e.g., a creditcard reader, a debit card reader, a gift card reader, etc.), and otherI/O devices 120 b (e.g., a near-field communication (NFC) reader tocommunicate with Apple Pay®, Google Pay®; a Bluetooth® or Bluetooth® lowenergy device to communicate with contactless alternative paymentmethods; a cursor controlling device such as a mouse; a video camera tomonitor the content of display device 116 a; a microphone to allow forvoice control; etc.). Cash/coin receptacle and/or dispenser 124 may alsobe communicatively coupled to terminal 114 b and/or point of sale device102, and may be configured to provide change to customer 124 and/oraccept a cash payment from customer 124.

It is understood that one or more of the components depicted in diagram100 may be optional. For example, in a self-checkout arrangement,merchant 112, terminal 114 a and cash/coin drawer 122 may not bepresent. It is understood that in a self-checkout arrangement without acashier, merchant 112 may more generally refer to the owner of a storeor restaurant which may be a person, a group of individuals or anenterprise. Thus, a transaction could be performed between a customerand a merchant, even if a merchant is not physically present at the samelocation as the customer. A common example of such a transaction is whena person makes an e-commerce purchase on his/her smartphone or homecomputer. As another example, card reader 118 a of terminal 114 a may beomitted, and a transaction may exclusively rely upon card reader 118 bof terminal 114 b.

Point of sale device 102, terminal 114 a and/or terminal 114 b may becommunicatively coupled to rewards server 128 via network 126. Network126 may be any form of communications means and, in some cases, may beindividual communications links, or one or more communications networks,including private networks, public networks and/or virtual privatenetworks over public networks. Rewards server 128 may be used by add-onapplication 106 to facilitate a rewards program. For example, rewardsserver 128 may include a database that maps user identifying information(e.g., phone number, credit card number, social security number, firstand last name, user login/password, etc.) of a user with the purchasehistory of a user, reward points of the user and/or productrecommendations for the user.

Point of sale device 102, terminal 114 a and/or terminal 114 b may alsobe communicatively coupled to one or more servers 130, 132 that areoperated by financial institutions in order to transfer funds betweenmerchant 112 and customer 124. For example, server 130 may be operatedby American Express®, and server 132 may be operated by Worldpay®.

While terminals 114 a and 114 b are shown to be directly coupled topoint of sale device 102 (e.g., via a cable), it is possible that inother embodiments, terminals 114 a and 114 b are communicatively coupledto point of sale device 102 via network 126, in which point of saledevice 102 might be embodied as a server. It is also possible forterminal 114 a and point of sale device 102 to be one integral device.It is also possible for terminal 114 b and point of sale device 102 tobe one integral device.

The screenshots below provide detailed examples of user interfaces thatmay be displayed during the processing of transactions by point of saledevice 102. In the examples, the screenshots only capture userinterfaces that are displayed on display device 116 a and are thusmerchant-facing interfaces. Given such merchant-facing interfaces, it isexpected that one will be able to modify the merchant-facing interfacesinto customer-facing interfaces that are displayed on display device 116b (e.g., for a self-checkout system). For example, instead of aninterface that instructs the merchant to request the customer to swipehis/her credit card, an interface may instead directly instruct thecustomer to swipe his/her credit card.

FIGS. 2A-2J depict screenshots of user interfaces to process a paymentusing a credit card. FIG. 2A displays screenshot 200 of an interfacefrom point of sale application 104 at the beginning of a transactionprior to any items being selected for purchase. User interface element202 from add-on application 106 may be inserted into the user interfacefrom point of sale application 104. In order to notify add-onapplication 106 that a transaction is beginning, merchant 112 may selectuser interface element 202, causing the display of an interface providedby add-on application 106 (depicted in screenshot 204 of FIG. 2B), andthen in the interface depicted in screenshot 204, merchant 112 mayselect user interface element 206 (e.g., button with text “Create NewSale”). Upon selection of user interface element 206, the interface ofFIG. 2A may be depicted again, allowing items to be selected forpurchase. It is noted, however, that such action from merchant 112 tonotify add-on application 106 about the start of a new transaction maybe omitted in certain embodiments. For clarity, it is noted that theadditional details depicted in FIG. 2B (e.g., total $115.00) are from apreviously completed transaction, and could be omitted from the userinterface of FIG. 5B. For example, using machine learning, add-onapplication 106 may be trained to automatically recognize that a newtransaction is about to begin or may begin based on certaincharacteristics of the user interface of point of sale application 104(e.g., total equal to 0, indicating the entry process for a fresh orderis at the beginning; no items in cart, similarly indicating a new ordercan begin, etc.”).

FIG. 2C depicts screenshot 208 of the interface from point of saleapplication 104, after three items have been selected for purchase. Inparticular, user interface element 210 a (featuring a “FivestarsT-Shirt), user interface element 210 b (featuring a “Fivestars BottleOpener”) and user interface element 210 c (featuring a “FivestarsScarf”) were selected. In a left panel of the interface, the quantityand price of the selected items may be displayed (212 a, 212 b, 212 c)along with total 214 (e.g., 32.00). Certainly, there are other ways thatproducts could be selected for purchase, including the scanning of abarcode associated with a product, the detection of a radio-frequencyidentification (RFID) tag embedded in a product, the manual entry of aserial number, etc.

While the interface from point of sale application 104 is displayed,add-on application 106 may periodically monitor (e.g., every halfsecond) the contents of the interface in order to infer the currentstate of the interface (e.g., product selection state, payment state,refund state, etc.). Several possible ways to monitor the contents ofthe interface are possible. For example, add-on application 106 may takescreenshots, via the operating system's screenshot interface or screenbuffer, or via a physical device pointing at display device 116 a like acamera, or via a physical video feed intercept. Alternatively or inaddition, add-on application 106 may take a fingerprint of the currentcontents of the screen, using a method such as examining the currentcolor setting of a number of pixels on the screen, or taking a hash ofthe current screen pixel contents (i.e., the type of hash that can beused to calculate a hash difference). Alternatively or in addition,add-on application 106 may take a dump of the contents being displayedon screen, using operating system user interface introspection toolsthat allow reading of user interface element labels and contents, suchas what the Windows API tools enable, or using the document object model(DOM) in the case of a browser-based point of sale application.Alternatively or in addition, add-on application 106 may use theoperating system accessibility tools API to collect information aboutwhat is being displayed on screen, to then feed into a screen stateanalysis system. This information could be text, positioning, colors,window information, or any other information that an operating systemaccessibility or other handicapped accessible toolkit would provide.Alternatively or in addition, the add-on application 106 may take ahardware or software video feed from display device 116 a, possibly by aUSB webcam, possibly by a video intercept device like a VGA tap, orpossibly by a software level video feed, like the iOS screen streamingfeature.

Using machine learning, add-on application 106 may be trained toautomatically identify the current state of the interface based on themonitored contents of the interface. For example, an expert installermay train the system by specifying one or more attributes that areassociated with each of the states, and add-on application 106 maysubsequently use the expert provided training data to identify thecurrent state of the user interface of point of sale application 104.After a current state has been identified, add-on application 106 mayfurther retrieve and compare one or more stored pixels (i.e., storedpixels of a user interface previously associated with the current state)with pixels of the current interface to verify whether or not theidentified current state is correct. In another embodiment of theverification process, add-on application 106 may retrieve and compareone or more stored words (i.e., stored words displayed on a userinterface previously associated with the current state) with wordsretrieved from the current user interface from OS introspection, thebrowser source, or full screen OCR. In another embodiment of theverification process, add-on application 106 may use trained computervision/machine learning models to verify whether or not the identifiedcurrent state is correct.

The training of add-on application 106 to perform such stateidentification will be described in more detail below in FIGS. 7A-7B. Inthe current example of FIG. 2C, add-on application 106 may identify theinterface to be in a “product selection” or “ordering” state based onthe presence of one or more of user interface elements 210 a, 210 b, 210c, etc. Upon selection of user interface element 216 (e.g., “F10payment” button), the interface may transition to the payment screendepicted in screenshot 218 of FIG. 2D.

In the payment screen, items that have been selected for purchase may bedisplayed in a modified format (e.g., with price rather than thequantity of an item being the emphasized attribute). See, e.g., 220 a,220 b and 220 c. The total 214 (e.g., 32.00) may be displayed in adifferent position (e.g., off to the right side of the interface).Various user interface elements may be depicted for merchant 112 toselect a payment type, for example, user interface element 223 acorresponding to cash, user interface element 223 b corresponding tocredit, user interface element 222 c corresponding to a debit card, userinterface element 222 d corresponding to check, user interface element222 e corresponding to a voucher, 222 f corresponding to a gift card,222 g corresponding to a split payment option, and 222 h correspondingto an “other tenders” option. In the example of FIG. 2D, the othertenders option is “Fivestars Credit” and represents funds that areprocessed by add-on application 106. The meaning of funds that areprocessed by add-on application 106 will be more clearly understood atthe conclusion of the transaction explained in FIGS. 2A-2J.

Add-on application 106 may recognize the current state of the interfacedepicted in FIG. 2D to be in the “payment state” based on, for example,the particular position and/or color of cancel button 221 (as theparticular position of the cancel button may be unique to the paymentstate), a comparison of a current fingerprint of the interface with astored fingerprint that is associated with the payment state, etc. Anyother characteristics of the interface depicted in FIG. 2D may also beused to identify the current state of the interface so long as thosecharacteristics are unique to the interface depicted in FIG. 2D.

Upon recognizing the current state of the interface depicted in FIG. 2Dto be in the “payment state,” add-on application 106 may be configuredto overlay the “cash” and “credit” buttons over the existing “cash” and“credit” buttons of the interface of point of sale application 104 usingoperating system overlay APIs or other means. In a web-based point ofsale application, buttons or other user interface elements may beinserted via DOM injection. Button 223 a shown in FIG. 2D is in fact acash button that has been overlaid on top of the existing cash button ofpoint of sale application 104 (not shown), and button 223 b is a creditbutton that has been overlaid on top of the existing credit button ofpoint of sale application 104 (not shown). The determination of whereand when to insert buttons may involve machine learning, in which add-onapplication 106 is provided many examples of where and when to insertbuttons (i.e., training data), and after parameters of the learningmachine have been trained based on the training data, add-on application106 may automatically insert buttons at the desired locations and at thedesired times.

In the instant case, the color of the inserted buttons and the font ofthe text within the inserted buttons are distinct from the existingbuttons of point of sale application 104 so that merchant 112 is awarethat the cash and credit buttons have been provided by add-onapplication 106. However, such variation in the format of the insertedbuttons is optional, and in another embodiment, an inserted button maybe overlaid on top of an existing button and appear identical to theexisting cash and credit buttons (or may be a transparent buttonoverlaid on top of an existing button), so that merchant 112 may not beaware that the user interface has been modified. In another embodiment,rather than inserting buttons into the user interface of point of saleapplication 104, add-on application 106 may listen directly to clicks(and other selection commands) made upon the pre-existing buttons ofpoint of sale application 104. The listening operation of add-onapplication 106 may use operating system mouse or touchscreen filters(e.g., filtering all mouse clicks, and transitioning processing of thetransaction to the add-on application 106 when a click falls within thepixel coordinates that are known to be occupied by the pre-existingbutton of point of sale application 104). In the case of a point of saleapplication 104 operating within a web browser 108, the listeningoperation of add-on application 106 may be enabled by installing touchand click event listening hooks or modifying pre-existing touch andclick event listening hooks on the DOM elements corresponding to thepre-existing buttons of point of sale application 104. Otherconfigurable attributes of the buttons from add-on application 106 mayinclude the size of a button, the text within a button, etc.

The reason for inserting the (overlay) buttons, or alternativelylistening to and overriding clicks or touches made to the pre-existingpoint of sale application 104 buttons, is to enable the processing ofthe transaction to seamlessly transition from point of sale application104 to add-on application 106. Upon the selection of the inserted cashbutton 223 a, add-on application 106 may take over the processing of thetransaction from point of sale application 104, more specifically theprocessing of a cash transaction. Upon the selection of the insertedcredit button 223 b, add-on application 106 may take over the processingof the transaction from point of sale application 104, more specificallythe processing of a credit transaction. In the instant example of FIG.2D, no button has been overlaid on top of user interface element 222 c,so if merchant selects user interface element 222 c, point of saleapplication 104 would continue the processing of the transaction, morespecifically the processing of a debit transaction. However, in anotherembodiment, it is possible for a “Debit” button to be overlaid on top ofuser interface element 222 c, and in such case, upon selection of anoverlaid “Debit” button (not depicted), add-on application 106 wouldtake over the processing of a debit transaction from point of saleapplication 104.

Indeed, whether a button is inserted and further the position of aninserted button is a user configurable option. In the embodiment of FIG.2D, buttons from add-on application 106 are overlaid on top of existingbuttons from point of sale application 104, so merchant 112 must selectthe buttons from add-on application 106 instead of the buttons frompoint of sale application 104 in the case of a cash or a credittransaction. However, in another embodiment (not depicted), buttons fromadd-on application 106 may be inserted adjacent to (i.e., next to)buttons from point of sale application 104, so merchant 112 is given thechoice of continuing the processing of a transaction with either pointof sale application 104 or add-on application 106.

Selection of any of the overlaid (or inserted) buttons 223 a, 223 b isone example of a “triggering event,” and such selection indicates anintent of merchant 112 (or customer 124, in a customer-facing interface)to start using add-on application 106 to transfer an amount of funds(e.g., equal to the total of the purchase) from the customer to themerchant. Upon merchant 112 selecting credit button 223 b, thetransaction may transition from point of sale application 104 to add-onapplication 106. Add-on application 106 may then take a screenshot ofthe region around and including total 214 (e.g., 32.00), and use opticalcharacter recognition (OCR) to recognize total 214 so that add-onapplication 106 can determine how much to charge a credit card ofcustomer 124. In addition, add-on application 106 may, at the same time,take one or more screenshots of regions that are depicted in otherembodiments (e.g., a region around a sub-total, a region around a taxamount, a region around a tip amount, a region around a discount amount,and a region around the items listed in the current transaction), anduse optical character recognition (OCR) to recognize and record theseadditional amounts and elements in the transaction history. User actionsto specify such region around total 214 during an initial configurationprocess will subsequently be explained in FIG. 7C. The processing of acash transaction (i.e., the process associated with the selection ofcash button 223 a) will subsequently be explained in FIGS. 3A-3D.

It is noted that OCR technology of add-on application 106 may also readamounts in the current order displayed in the user interface of FIG. 2D(e.g., total, tax, subtotal where available), and show those amounts toconsumer 124 on consumer-facing terminal 114 b, as well as record thoseamounts in rewards server 128, whether or not customer 124 signs up fora loyalty/rewards account.

Various embodiments to extract total 214 and additional elements whichmay include sub-total, tax, tips, discounts, and items in the order, inaddition to the above described embodiment are possible. In oneembodiment, add-on application 106 may take a screenshot of a specificlocation or locations, or the whole screen, send the screenshot to anOCR system like Google Cloud® OCR or Tesseract®, and read the amount tocharge the user, which can be the total or part of the total, and theOCR system may send the total and other elements back to add-onapplication 106. In another embodiment, add-on application 106 may readthe total and other elements in plain text rather than via OCR by usingthe UI introspection capabilities of the operating system to understandthe UI element labels and contents. In another embodiment, add-onapplication 106 may listen in on the printer pipeline physically orvirtually to understand the total to be charged and other elements(e.g., tip, tax, discounts applied, and items ordered) to be recordedalong with the total in the order history of the add-on application 106by reading from table checks and other pre-transaction printedmaterials. In another embodiment, add-on application 106 may allowmerchant 112 to close the transaction entirely, by marking the tender ascash or other credit, or use its automation to close the transaction,entirely on the point of sale, then read the final receipt from theprinter either via virtual print driver, software print interceptor, orhardware printer interceptor/printer tap so as to extract the total andother elements (e.g., tip, tax, discounts applied, and items ordered).

It is noted that the selection of credit button 223 b is just one ofmany possible triggering events that may cause the processing of thetransaction to transition from point of sale application 104 to add-onapplication 106. In another embodiment, a physical hardware button orbuttons (e.g., hotkeys or other combinations on a keyboard or otherinput device) may be pressed by merchant 112 to cause the processing ofthe transaction to transition from point of sale application 104 toadd-on application 106. For example, a hardware device can be connectedthrough an API or SDK over the web or local connection or through adevice-to-device connection.

In another embodiment, the triggering event may be an event that occursearlier than the selection of the payment type. For example, thetriggering event may be the selection of payment button 216 in FIG. 2C,and in response to the selection of payment button 216, a user interfacesimilar to FIG. 2D may be displayed to select a payment type, but thatuser interface is provided by add-on application 106 instead of point ofsale application 104. Therefore, it is understood that many possibletriggering events are possible which cause the processing of thetransaction to transition from point of sale application 104 to add-onapplication 106, and that the pressing of the overlaid credit button 223b is just one possible triggering event.

Further, in response to the selection of credit button 223 b, add-onapplication 106 may provide the user interface depicted in screenshot226 of FIG. 2E so as to facilitate the processing of a credittransaction. Such user interface may include user interface element 228that is associated with customer 124. At this point in the exampletransaction, identifying information of customer 124 may not yet havebeen received, so user interface element 228 provides only a genericimage of customer 124 and the generic customer name of “Your Guest” thatis associated with 0 reward points. The user interface may includemessage 230 instructing merchant 112 to ask customer 124 to insert orswipe his/her credit card. The user interface may include a userinterface element 232 allowing merchant 112 to change the payment typeof customer 124 to cash. Total 214 (e.g., 32.00) may also be displayedin the user interface so that merchant 112 is aware of the amount thatwill be charged to the credit card of customer 124. This total amountmay be determined via the OCR processing of total 214 depicted in FIG.2D.

In response to a credit card of customer 124 being read by card reader118 a or 118 b, add-on application 106 may provide the user interfacedepicted in screenshot 234 of FIG. 2F. User interface element 228 (ofFIG. 2E) is now replaced with user interface element 236 (of FIG. 2F)with information associated with customer 124 (e.g., photograph, firstand last name, number of reward points). In the instant example, add-onapplication 106 identifies customer 124 via the credit card number ofcustomer 124. In other words, the credit card number of customer 124 wasused as a login name for the rewards account of customer 124. Upongaining access to the credit card number of customer 124, add-onapplication 106 may retrieve other identifying and/or personalinformation of customer 124 from rewards server 128 (e.g., photograph,first and last name, number of reward points). In one embodiment, acustomer identifier is computed as a hash of the credit card number, andsuch customer identifier is used to identify customer 124 in rewardsserver 128 (e.g., a rewards account of customer 124 is labeled with viasuch customer identifier).

It is noted that in the above example in FIG. 2F, the credit card of thecustomer had already been linked to a rewards account of customer 124.If, however, the credit card of customer 124 were not yet linked to arewards account, a user interface (not depicted) may be presented aftercustomer 124 swipes his/her card. In such user interface, customer 124may be provided numeric keys to input his/her phone number (or otheridentifying information). Upon receiving the customer's phone number orother identifying information, the customer's credit card may be linkedto an existing (or newly created) rewards account that is associatedwith the customer's phone number or other identifying information, andthe process may proceed to the user interface of FIG. 2F regarding theselection of a reward. If customer 124 chooses to not link his/hercredit card with any phone number or other identifying information, thecustomer may be provided with an option to skip entry of same and theprocess may proceed directly to the user interface of FIG. 2G regardingthe entry of tip amount.

The interface in FIG. 2F may also include user interface elements 238that allow merchant 112 to redeem reward points on behalf of customer124. Alternatively and/or in addition, similar user interface elementsmay be presented on display device 116 b (i.e., the customer-facingdisplay) so as to allow customer 124 to directly make a selection toredeem reward points. The interface in FIG. 2F may also include userinterface element 240 to allow merchant 112 to skip the redemption ofreward points. Total 242 (e.g., $32.00) may be presented again, andbelow total 242, the payment type may be specified 244 (e.g., CardEnding 4242). In the present example, the button 240 to skip theredemption of the rewards is selected, since the process to redeemrewards will be described in association with FIGS. 4A-4J below.

Upon selection of button 240 to skip the redemption of the rewards,add-on application 106 may provide the user interface depicted inscreenshot 246 of FIG. 2G. Such user interface may include message 248,instructing merchant 112 to wait for customer 124 to add a tip. Ifcustomer 124 opts to not provide a tip, merchant 112 may select userinterface element 250 to skip the payment of a tip. In anotherembodiment, upon customer 124 specifying that no tip will be provided,such action of customer 124 may cause the automatic selection of userinterface element 250 to skip the payment of a tip, or equivalently,add-on application 106 may receive the customer's instruction andproceed with the payment transaction with the understanding that no tipwill be collected. It is noted that the user interface of FIG. 2G tocollect a tip may be omitted in certain environments (e.g., a grocerystore).

In the present example, customer 124 uses terminal 114 b to specify atip amount of $4.80 (the tip amount shown in the subsequent userinterface of FIG. 2J). Of course, a tip is typically not paid bycustomers in the purchase of a T-shirt, bottle opener and a scarf, but atip is paid in the instant example to illustrate the processingassociated with the payment of a tip.

Upon specifying a tip by customer 124 via terminal 114 b, add-onapplication 106 may charge the total amount (e.g., $36.80) to the creditcard of customer 124, and complete the processing of the payment. Morespecifically, add-on application 106 may process the payment (or othertransaction) through its payment facilitator (PayFac), independent salesorganization (ISO) or independent software vendors (ISV) payment rails.In another embodiment, add-on application 106 may process the payment(or other transaction) through the merchant's pre-existing paymentmerchant account. In another embodiment, add-on application 106 mayprocess the payment (or other transaction) by collecting the paymentcard data and final total, including tip, and sending directly to pointof sale application 104 itself to process the transaction, or sendingthat payload to the point of sale's cloud or central server, or anothercloud or central payment server.

Upon completion of the processing of the payment, add-on application 106may return a result of the payment to point of sale application 104, asdescribed in FIGS. 2H and 2I. FIG. 2H depicts a user interface of pointof sale application 104, similar to the user interface depicted in FIG.2D prior to the occurrence of the triggering event. User actions may beemulated by add-on application 106 in the user interface of FIGS. 2H and2I in order to inform point of sale application 104 of an amount paid bycustomer 124 and/or whether or not the transaction was completed byadd-on application 106. A monitoring process of add-on application 106(similar to or identical to the process used to determine the state ofthe user interface) may be used to determine the location of userinterface element 222 h button (e.g., the “Fivestars Credit” button).Cursor 262 may then be positioned on Fivestars Credit button 222 h, anda selection command (e.g., mouse click, tap on touchscreen, etc.) ofcursor 262 may be performed by add-on application 106.

Upon an emulated user action to select Fivestars Credit button 222 h,point of sale application may provide the user interface depicted inscreenshot 264 of FIG. 2I. Before emulating any additional user actions,add-on application 106 may verify the user interface displayed inresponse to selecting Fivestars Credit button 222 h. That is, add-onapplication 106 may retrieve a stored (i.e., pre-determined) screenshotof the user interface that is expected in response to selectingFivestars Credit button 222 h, and compare the interface (e.g., orcompare certain selected attributes thereof) depicted in FIG. 2I to theexpected user interface. If the verification step fails (e.g., adiscrepancy is determined based on the comparison), the processdescribed in FIG. 2H may be attempted again, or the process may beaborted. If the verification step is successful, various aspects of thecompleted payment may be input into the interface of FIG. 2I, such as asubtotal (e.g., $32.00), a tip amount (e.g., $4.80) and a total amount(e.g., $36.80) that was paid by customer 124. In certain embodiments,the input of a tip amount into the interface of FIG. 2I may be omittedand/or may not be possible. It is noted that the input of these amountsmay be performed via emulated user actions (e.g., emulated keypresses,emulated mouse clicks of keypad 266 depicted in FIG. 2I, etc.). Upon thevarious aspects of the completed payment being entered into the userinterface, user interface element 268 (e.g., “OK” button) may beselected (e.g., by an emulated mouse click). If for some reason thecommunication of the transaction result to point of sale application 104needs to be aborted, user interface element 270 (e.g., “Cancel” button)may be selected (e.g., by an emulated mouse click).

Following selection of the OK button, add-on application 106 may providethe user interface depicted in screenshot 252 of FIG. 2J. Such userinterface may include message 254 that the payment is complete, as wellas an order summary with the subtotal amount 242 (e.g., “$32.00”), tipamount 258 (e.g., “$4.80”) and total amount (e.g., “$36.80”). At somepoint after the payment has been processed, add-on application 106 mayalso store information associated with the transaction with the rewardsaccount of customer 124 (e.g., total paid, tip paid, items purchased,reward points earned from the purchased, etc.).

In view of the description of the user interfaces depicted in FIGS. 2Hand 2I, the purpose for Fivestars Credit button 222 h should now be moreapparent. Such button may not be used to select a type of payment to payfor a transaction (as was the case for buttons 223 a, 223 b, and theother payment buttons), but rather may be used to select a type ofpayment that was used to pay for a transaction. Stated differently, suchbutton may be used to navigate to one or more interfaces to perform anaccounting step (e.g., for point of sale application 104 to be updatedon whether or not the transaction was successfully processed by add-onapplication 106 and if so, the amount that was paid by customer 124). Insome embodiments, other buttons may also be used to navigate to one ormore interfaces to perform an accounting step. For example, native cashbutton 222 a may be selected to navigate to one or more interfaces to,in the typical circumstance, input an amount of cash that was collectedby merchant 112. However, to complete the instant accounting step, theamount collected by add-on on 106 may be entered in lieu of an amount ofcash. Such practice may allow point of sale device 102 to properlyaccount for the dollar value of the transaction, but it may result in adiscrepancy in the various amounts of the tender types (e.g., amount ofcash in cash drawer may not be what is expected). Further, selection ofnative cash button 222 a, in most instances, would cause cash drawer 122to open, so merchant 112 would additionally need to close cash drawer112 during such accounting step that makes use of native cash button 222a. As another example, native credit button 223 a may also be used tocomplete the instant accounting step if a null-transaction option isprovided and the purchase amount can be entered without actuallycharging a credit card.

It is noted that there are various ways to emulate user actions. In oneembodiment, a physical device may be attached to point of sale device102 that can send physical keyboard and mouse signals to point of saledevice 102 to control point of sale application 104 and close-out thetransaction in the appropriate amount. In another embodiment, add-onapplication 106 may use browser keyboard and mouse press events tocontrol the close-out flow of the point of sale (only in the cases thatpoint of sale application 104 is implemented as a browser plug-in). Inanother embodiment, add-on application 106 could also interface with anAPI or SDK on point of sale device 102 or on the web to close out aspecific amount on point of sale application 104.

It is further noted that, in another embodiment (not depicted), it ispossible to have a “Fivestars payment” button (distinct from FivestarsCredit button 222 h used for accounting) in the user interface of FIG.2D, and no overlays may be present over the native cash and creditbuttons. Selection of the Fivestars payment button in the context ofFIG. 2D may result in a triggering event, causing add-on application 106to take over the processing of a payment transaction. At a later timepoint, such as in the interface of FIG. 2E, merchant 112 may then beoffered the selection between the cash payment type and the creditpayment type.

FIGS. 3A-3D depict screenshots of user interfaces to process a cashtransaction. For conciseness of explanation, the process explained inFIGS. 3A-3D omits the above-described interface in which add-onapplication 106 is notified about the start of a new sale (e.g., FIG.2B) and omits the above-described interface for selecting items topurchase (e.g., FIG. 2C). Instead, the process of FIGS. 3A-3D begins inthe payment state, after an order has already been received to purchasea Fivestars bottle opener.

Upon merchant 112 selecting cash button 223 a, the processing of thetransaction may transition from point of sale application 104 to add-onapplication 106. Again, it is noted that the selection of cash button223 a is just one of many possible triggering events that may cause theprocessing of the transaction to transition from point of saleapplication 104 to add-on application 106. In another embodiment, aphysical hardware button that is associated with the processing of acash transaction may be pressed by merchant 112 to cause the processingof a cash transaction to transition from point of sale application 104to add-on application 106.

Add-on application 106 may then take a screenshot of the region aroundand including total 302 (e.g., 2.00), and use optical characterrecognition (OCR) to recognize total 302 within the screenshot in orderfor add-on application 106 to determine how much cash to request fromcustomer 124. Add-on application 106 may then provide the user interfacedepicted in screenshot 304 of FIG. 3B so as to facilitate the processingof a cash transaction. Such user interface may include user interfaceelement 228 that is associated with customer 124. At this point in theexample transaction, identifying information of the customer may not yethave been received, so user interface element 228 provides only ageneric image of customer 124 and the generic customer name of “YourGuest” that is associated with 0 reward points. The user interface mayinclude message 306, requesting merchant 112 to ask customer 124 whetherhe/she would like to join the rewards program (or ask customer 124whether he/she has already joined the rewards program), and if so, toprovide his/her mobile number. Thus, in the context of a cashtransaction, the mobile number of customer 124 may be used as the userlogin for the rewards account of customer 124. If customer 124 does notwish to join the rewards program (or declines to provide his/her mobilenumber associated with his/her existing rewards account), merchant 112may select user interface element 308 to skip the processing associatedwith the rewards program. The user interface may also include userinterface element 310 allowing merchant 112 to change the payment typeof customer 124 to card (e.g., credit card). Total 302 (e.g., 2.00) mayalso be displayed in the interface of FIG. 3B so that merchant 112 isaware of the amount of cash to collect from customer 124. This totalamount may be determined by the above-described OCR of total 302depicted in FIG. 3A. Message 312 may be provided, indicating that thepayment method for the transaction is cash. In the example transaction,the option to “skip rewards” is selected, as the reward processing willbe described below in association with FIGS. 4A-4J.

Upon selection of button 308 to skip rewards, add-on application 106 mayprovide the user interface depicted in screenshot 314 of FIG. 3C. Suchuser interface may provide user interface elements allowing merchant 112to enter the amount of cash that customer 124 has paid. In the instantexample, customer 124 pays $2.00 in cash, so merchant 112 enters $2.00for the amount paid 318. As will be more clearly understood from FIG.3D, the amount paid need not be exactly equal to the purchase total. Ifthe amount paid exceeds the purchase total, merchant 112 will beinstructed to provide change to customer 124 (as shown below in FIG.3D). Upon selection of user interface element 320 (e.g., submit button),the processing of the cash payment is complete, and add-on application106 may return a result of the cash payment to point of sale application104. Such a process may be similar to the process described above inFIGS. 2H and 2I, and hence will not be described in detail for the sakeof conciseness.

Upon the accounting process with the point of sale application 104concluding, add-on application 106 may provide the user interfacedepicted in screenshot 322 of FIG. 3D. Such user interface may includean amount of change that merchant 112 has provided (or should provide)to customer 124 (e.g., $0.00 change in the instant example), as well asan order summary with the total amount of the purchase (e.g., $2.00),the amount paid by customer 124 (e.g., $2.00) and the change amount($0.00). At some point after the payment has been processed, add-onapplication 106 may store information associated with the transactionwith the rewards account of customer 124 (e.g., total paid, itemspurchased, reward points earned from the purchased, etc.).

FIGS. 4A-4J depict screenshots of user interfaces to process atransaction involving the redemption of rewards. For conciseness ofexplanation, the process explained in FIGS. 4A-4J omits theabove-described interface in which add-on application 106 is notifiedabout the start of a new sale (e.g., FIG. 2B). Instead, the process ofFIGS. 4A-4J begins with the user interface in the product selectionstate, as depicted in screenshot 400, after two items have been selectedfor purchase. In particular, user interface element 210 b (featuring a“Fivestars Bottle Opener”) and user interface element 210 d (featuring a“Fivestars Bomber Jacket) were selected. In a left panel of theinterface, the quantity and price of the selected items are displayed(212 b, 212 d) along with total 402 (e.g., 102.00). Upon selection ofuser interface element 216 (e.g., “F10 payment” button), the interfacemay transition to the payment screen depicted in screenshot 404 of FIG.4B.

In the payment screen, items selected for purchase again may bedisplayed in a modified format (e.g., with price rather than thequantity of an item being the emphasized attribute). See, e.g., 220 dand 220 b. The total 406 (e.g., 102.00) may be displayed in a differentposition (e.g., off to the right side). Upon merchant 112 selectingcredit button 223 b, the processing of the transaction may transitionfrom point of sale application 104 to add-on application 106 (i.e., oneexample of a triggering event). Add-on application 106 may then take ascreenshot of the region around and including total 406 (e.g., 102.00),and use OCR to recognize total 406 within the screenshot in order todetermine how much to charge a credit card of customer 124. Add-onapplication 106 may then provide the user interface depicted inscreenshot 408 of FIG. 4C so as to facilitate the processing of a creditcard transaction. Such user interface may include message 230,requesting merchant 112 to ask customer 124 to insert or swipe his/hercredit card.

In response to a credit card of customer 124 being read by card reader118 a or 118 b, add-on application 106 may display the user interfacedepicted in screenshot 410 of FIG. 4D. Such user interface may includeuser interface elements 238 that allow merchant 112 to redeem rewardpoints on behalf of customer 124. Alternatively and/or in addition,similar user interface elements may be presented on display device 116 b(i.e., the customer-facing display) to allow customer 124 to directlymake a selection to redeem reward points. In the present example, theoption to redeem ten reward points in exchange for a $2 discount isselected by customer 124.

Upon the selection of a rewards option, add-on application 106 mayprovide the user interface depicted in screenshot 412 of FIG. 4E,including message 414 that notifies merchant 112 of the rewardredemption that is requested by customer 124 (e.g., $2 off). Such userinterface may provide merchant 112 with an opportunity to either rejectthe customer's request (by selecting user interface element 416), orproceed to a process to apply the rewards (by selecting user interfaceelement 418). In the instant example, merchant 112 selects userinterface element 418 in order to apply the rewards on point of saledevice 102.

Upon selection of button 418 labeled “Apply on POS,” the processing ofthe transaction may transition from add-on application 106 back to pointof sale application 104. More specifically, point of sale application104 may provide the user interface depicted in screenshot 420 of FIG.4F. Such user interface may be similar to the earlier presentedinterface depicted in the screenshot of FIG. 4B (just prior to theoccurrence of the triggering event), except that the existing cashbutton 222 a and credit card button 222 b of point of sale application104 are displayed (i.e., overlays 223 a and 223 b are no longerpresent), and a user interface element 223 i labeled “Continue” has beeninserted into the interface by add-on application 106. The use ofcontinue button 223 i will be explained below in FIG. 4H. The userinterface also includes user interface element 422 labeled “discount”for merchant 112 to navigate to a user interface to apply the rewardsrequested by customer 124.

Upon selection of discount button 422, point of sale application 104 maydisplay the user interface depicted in screenshot 424 of FIG. 4G. Suchuser interface may provide an option to apply a discount to the entire“cart” or entire purchase (via user interface element 426), an option toapply a discount to a specific item (via user interface element 428),and an option to add a zero-dollar or discounted cost item to the order(not depicted). For example, some discounts that merchants enter may bein the form of items with low or $0 prices, for example, “Hess Cabernet$1.00,” “Any dessert $0.00,” “Vanilla vape juice $0.01,” “Shrimp taco$0.00,” etc.

In the instant example, merchant 112 has selected the “cart discount”option. Such interface may also provide an option to apply a percentdiscount (via user interface element 430) or an exact dollar amountdiscount (via user interface element 432). In the instant example,merchant 112 has selected the exact dollar amount discount option. Suchinterface may also provide text box 434 for merchant 112 to input thedollar amount to discount (or percent to discount if the percentdiscount option were selected). In the instant example, merchant 112 hasinput the discount amount of $2.

The user interface may also display a summary of the rewards redemption,including subtotal amount 406 (e.g., $102.00, equal to the amount priorto the discount being applied), an amount to discount 434 (e.g., $2.00)or the name and cost of a discounted or zero-dollar item associated withthe reward redeemed, and the new total amount 436 after the discount(e.g., $100.00). Upon the discount being entered, merchant 112 mayselect user interface element 438 to confirm the entry of the discount(e.g., “OK” button) or may select user interface element 440 to cancelthe application of the discount (e.g., “Cancel” button). In the instantexample, merchant 112 selects the “OK” button.

Upon receiving the selection of the “OK” button, point of saleapplication 104 may display the user interface depicted in screenshot442 of FIG. 4H. The discounted total amount 436 (e.g., $100.00) may bedisplayed in the user interface. Once merchant 112 visually confirms thediscounted total amount 436, merchant 112 may press user interfaceelement 223 i (e.g., Continue button), which may cause the processing ofthe transaction to transition from point of sale application 104 back toadd-on application 106. Hence, the selection of the Continue button maybe another example of a triggering event. Add-on application 106 maytake a screenshot of the discounted total amount and use OCR todetermine the discounted total amount from the screenshot. Add-onapplication 106 may then provide the user interface depicted inscreenshot 444 of FIG. 4I, with the new total 436 determined via theOCR. Similar to the interface of FIG. 2G, there may be a user interfaceelement 248 that prompts merchant 112 to wait for customer 124 to add atip, and a user interface element 250 that allows merchant 112 todesignate that no tip is being paid. In the instant example, customer124 makes a selection to pay a 15% tip via terminal 114 b.

Upon receipt of the customer's designation of the tip amount or tippercentage, add-on application 106 may charge the total amount to thecredit card of customer 124, and complete the processing of the payment.Upon completion of the processing of the payment, add-on application 106may return a result of the payment to point of sale application 104.Such a process may be similar to the process described above in FIGS. 2Hand 2I, and hence will not be described in detail for the sake ofconciseness.

Upon the accounting process with the point of sale application 104finishing, add-on application 106 may provide the user interfacedepicted in screenshot 448 of FIG. 4J. Such user interface may include amessage that the payment is complete, as well as an order summary with asubtotal amount 406 (e.g., $102.00), a message that a reward has beenredeemed 446 (or an amount of the discount), a tip amount 450 (e.g.,$15.00) and a total amount 452 (e.g., $115.00). At some point after theprocessing of the payment, add-on application 106 may also storeinformation associated with the transaction with the rewards account ofcustomer 124 (e.g., total paid, tip paid, items purchased, reward pointsearned from the purchased, reward points redeemed, etc.).

It is noted that in the above-described reward redemption process,merchant 112 manually entered the discount provided by the redemption ofrewards into point of sale application 104. However, in anotherembodiment, add-on application 106 may emulate such user actions (e.g.,mouse clicks, keyboard presses, etc.) of merchant 112 such that thediscount can be automatically entered into point of sale application104.

FIGS. 5A-5F depict screenshots of user interfaces to process a refund.For conciseness of explanation, the process explained in FIGS. 5A-5Jomits the above-described interface in which add-on application 106 isnotified about the start of a new sale or transaction (e.g., FIG. 2B).Instead, the process of FIGS. 5A-5F begins with the user interface inthe product selection state, as depicted in screenshot 500, after oneitem has been selected to be refunded. In particular, user interfaceelement 210 d (featuring a “Fivestars Bomber Jacket”) has been selected.In a left panel of the interface, the quantity and price of the selecteditem is displayed 212 d, along with total 501 (e.g., 100.00) of thetransaction. Upon selection of user interface element 502 (e.g.,“Refund” button), the interface may transition to the refund screendepicted in screenshot 504 of FIG. 5B.

In the refund screen, items selected for refund may be displayed in amodified format 220 d (e.g., with price rather than the quantity of anitem being the emphasized attribute), along with total 508 (e.g.,−100.00) of the purchase amount to be refunded. Upon merchant 112selecting user interface element 222 b associated with the refundpayment type of “credit card,” add-on application 106 may recognize thatthe user interface of point of sale application 104 is in a credit cardrefund state. In response to recognizing the credit card refund state,add-on application 106 may then insert user interface element 223 j(e.g., refund button) into the user interface. To clarify, refund button223 j may be an overlay button that is inserted by add-on application106, similar to overlay cash button 223 a and overlay credit button 223b in FIG. 2D. Upon selection of refund button 223 j (which may beinterpreted as a triggering event), the processing of the credit cardrefund may transition from point of sale application 104 to add-onapplication 106. Add-on application 106 may take a screenshot of totalrefund amount 508, and read the total refund amount from the screenshotusing OCR.

Similar functionality may be provided in response to the selection ofthe other refund payment types. For instance, in response to selectionof user interface element 222 a associated with the refund payment typeof “cash,” add-on application 106 may recognize that the user interfaceof point of sale application 104 is in a cash refund state, andsimilarly insert the refund button into the user interface. Uponselection of a refund button (which may be interpreted as a triggeringevent), the processing of the cash refund may transition from point ofsale application 104 to add-on application 106. Likewise, in response toselection of user interface element 222 c associated with the refundpayment type of “debit card,” add-on application 106 may recognize thatthe user interface of point of sale application 104 is in a debit cardrefund state, and similarly insert a refund button into the userinterface. Upon selection of the refund button (which may be interpretedas a triggering event), the processing of the debit card refund maytransition from point of sale application 104 to add-on application 106.In another embodiment, a physical hardware button may be used instead ofthe inserted user interface element refund button 223 j, and pressingthe physical hardware button may be equivalent to using a cursorcontrolling device to select refund button 223 j.

If, however, merchant 112 desires to continue processing the refundusing point of sale application 104 (instead of transitioning theprocessing of the refund to add-on application 106), merchant 112 mayselect the refund payment type and then select user interface element510 (e.g., “OK” button). Such processing of the refund by point of saleapplication 104 is known in the art, and will not be described furtherherein. If merchant 112 desires to cancel the refund, merchant 112 mayselect user interface element 512 (e.g., “Cancel” button) to cancel therefund.

Continuing with the instant example in which credit card button 222 bhas been selected, add-on application 106 may display the user interfacedepicted in screenshot 514 of FIG. 5C. Such user interface may includemessage 516, requesting merchant 112 to ask the customer to insert orswipe the credit card that was used for the purchase of the item(s) tobe refunded. The user interface may also include an order summary withtotal amount 517 to be refunded (e.g., $100.00). Total amount 517provided in the order summary may be (−1) times total refund amount 508that was read by add-on application 106 using OCR. In another embodiment(not depicted), total amount 517 may be equal to total refund amount508.

In another embodiment (not depicted), add-on application 106 may displaya user interface that allows merchant 112 to enter in an amount for apartial refund that might be provided in a circumstance in which an itemis returned in a damaged or a worn condition.

Upon the customer's credit card being read by credit card reader 118 aor 118 b, add-on application 106 may provide the user interface depictedin screenshot 518 of FIG. 5D. The user interface may include message 520that informs merchant 112 that the refund is being processed. Upon therefund being successfully processed, add-on application 106 may return aresult of the transaction to point of sale application 104, as describedin FIGS. 5E and 5F. FIG. 5E depicts screenshot 522 of a user interfaceof point of sale application 104, similar to the interface of FIG. 5Bprior to the occurrence of the triggering event. One difference is thatrefund button 223 j may not be present, as the refund has already beenprocessed by add-on application 106. User actions may be emulated byadd-on application 106 in the interface of FIG. 5E in order to informpoint of sale application 104 of an amount refunded to customer 124and/or whether or not the refund was completed by add-on application106. A monitoring process of add-on application 106 (similar to oridentical to the process used to determine the state of the userinterface) may be used to determine the location of user interfaceelement 222 h (e.g., the “Fivestars Credit” button). Cursor 262 may thenbe positioned on Fivestars Credit button 222 h, and a selection command(e.g., mouse click, tap on touchscreen, etc.) of cursor 262 may beperformed by add-on application 106.

Upon an emulated user action being performed to select Fivestars Creditbutton 222 h, point of sale application 104 may provide the userinterface depicted in screenshot 526 of FIG. 5F. Before emulating anyadditional user actions, add-on application 106 may verify the userinterface displayed in response to clicking Fivestars Credit button 222h. That is, in one embodiment, add-on application 106 may retrieve astored (i.e., pre-determined) screenshot of the user interface that isexpected in response to selecting Fivestars Credit button 222 h, andcompare the interface (e.g., or compare certain selected attributesthereof) depicted in FIG. 5E to the expected user interface. In anotherembodiment, add-on application 106 may further retrieve and compare oneor more stored pixels (i.e., pixels from the expected user interface)with pixels of the current interface to verify whether or not theinterface depicted in FIG. 5E is the expected interface. In anotherembodiment of the verification process, add-on application 106 mayretrieve and compare one or more stored words (i.e., words from theexpected user interface) with words depicted in the interface depictedin FIG. 5E that are retrieved from OS introspection, the browser source,or full screen OCR. In another embodiment of the verification process,add-on application 106 may use trained computer vision/machine learningmodels so as to verify whether the interface depicted in FIG. 5E is theexpected interface.

If the verification step fails (e.g., a discrepancy is determined basedon the comparison), the process described in FIG. 5E may be attemptedagain, or the process may be aborted. If the verification step issuccessful, the refunded amount 528 may be input into the interface ofFIG. 5F (e.g., −100.00). It is noted that the input of this refundedamount may also be performed via emulated user actions (e.g., emulatedkeypresses, emulated mouse clicks on keypad 266 depicted in FIG. 5F,etc.). Upon the refunded amount being input into the user interface,user interface element 268 (e.g., “OK” button) may be selected (e.g., byan emulated mouse click). If for some reason the communication of thetransaction result to point of sale application 104 needs to be aborted,user interface element 270 (e.g., “Cancel” button) may be selected(e.g., by an emulated mouse click). At some point after the refund hasbeen successfully processed, add-on application 106 may also storeinformation associated with the transaction with the rewards account ofcustomer 124 (e.g., amount refunded, etc.).

FIGS. 6A and 6B depict screenshots of user interfaces of point of saleapplication 104 to add an “other tenders” payment button, for example,the above-described Fivestars Credit button. Such process typicallyoccurs during an initial configuration procedure when add-on application106 is being installed on point of sale device 102. Point of saleapplication 104 may provide the user interface depicted in screenshot600 of FIG. 6A, which includes a textbox 602 for merchant 112 to add a“New payment type”. In the instant example, the new payment type of“Fivestars Credit” is input into textbox 602. Various configurableoptions may be provided along with the input of the new payment type,for example, the position that the new payment type should be displayedon the user interface of point of sale application 104 (i.e., relativeto the other payment types), whether to print a receipt upon amerchant's selection of the new payment type, whether the cash drawershould be opened upon a merchant's selection of the new payment type,etc. Upon selection of user interface element 604 (e.g., “Save” button),point of sale application 104 may provide the user interface (depictedin screenshot 606 of FIG. 6B), which includes a summary of the paymentoptions, including the new payment option 608 of Fivestars credit. Ifnot already apparent, it is noted that the insertion of the “Fivestarscredit” button may be accomplished using the existing point of saleapplication 104 user interface, and does not require access to ormodification of the source code of point of sale application 104.

FIGS. 7A-7E depict screenshots of user interfaces to train add-onapplication 106 to recognize the payment screen provided by point ofsale application 104 and various elements within the payment screen. Itis understood that such user interfaces can be modified to train add-onapplication 106 to recognize other states (e.g., refund state, etc.),and various elements within the other states.

FIG. 7A depicts screenshot 700 of a user interface with user interfaceelement 702 (e.g., “Payment Screen” button) that can be used by anindividual (e.g., merchant 112, or an individual familiar with theconfiguration process for add-on application 106) to tag and/or label auser interface of point of sale application 104 as a “Payment Screen”(i.e., the “Payment Screen” is identical to the “payment state”described herein). In the current example, image 701 (i.e. image withinscreenshot 700 excluding the bottom three rows of buttons in screenshot700) is a screenshot of the user interface of point of sale application104 in the payment state, and an individual may select Payment Screenbutton 702 to label image 701 as a payment screen. Subsequent to suchtraining, when add-on application 106 encounters a user interface thatis similar to image 701 that has been tagged as the payment screen,add-on application 106 may recognize that user interface to be in thepayment state. While the example in FIG. 7A labeled only one screen(i.e., image 701) as the payment screen, it is noted that a plurality ofscreens could each be labeled as a possible example of the paymentscreen. For example, the position of buttons in the plurality of screenscould be shifted with respect to one another, but all of the screenscould still be payment screens. As another example, the number ofpayment types depicted in the screens could differ, but all of thescreens could still be payment screens. In such case, a user interfacecould be determined as a payment screen if that user interface issimilar to one or more of the plurality of screens that have beenlabeled as examples of the payment screen.

FIG. 7B depicts screenshot 704 of a user interface with user interfaceelement 706 (e.g., “Screen ID Pixel” button) that can be used by anindividual to further label a pixel that is unique to the payment screenand/or state. In other words, the user may first select Screen ID Pixelbutton 706, and then select a pixel in the payment screen that is uniqueto the payment screen. In the instant example, the selected screen IDpixel is pixel 707 within Cancel button 708, since the location and thecolor of pixel 707 within Cancel button is unique to the payment screenand/or state. To help the individual see which pixel has been selected,region 709 may show the color of selected screen ID pixel 707.Subsequent to such training, when add-on application 106 encounters auser interface with a pixel having the same color and location as theselected screen ID pixel for the payment screen, such determination canbe one additional factor that add-on application 106 uses to determinewhether or not the user interface is in the payment state.

FIG. 7C depicts screenshot 705 of a user interface with user interfaceelement 710 (e.g., “OCR Region” button) that can be used by anindividual to further specify a region with a purchase total within thepayment screen and/or state. In other words, the user may first selectOCR Region button 710, and then specify a region in the payment screenwith the purchase total. In the instant example, the OCR region isspecified as region 712, since region 712 contains the total $2.00.Recall, in the interface of FIG. 2D, upon selection of credit button 223b, add-on application 106 was able to automatically take a screenshot ofa region with the purchase total. Such action of add-on application 106may be enabled by the presently described specification of OCR region712 that identifies the region with the purchase total.

FIG. 7D depicts screenshot 707 of a user interface with user interfaceelement 714 (e.g., “Macro Pixel” button) that can be used by anindividual to specify a button (or other user interface element) withinthe payment screen and/or state that should be automatically selected byadd-on application 106 (more specifically, to specify a pixel that isunique to the button that should be automatically selected). In otherwords, the user may first select the Macro Pixel button 714, and thenselect the pixel that is unique to the button that should beautomatically “clicked” (e.g., as part of the procedure to return aresult of the transaction from add-on application 106 to point of saleapplication 104). In the present example, the selected macro pixel ispixel 716 within the “Fivestars Credit” button. To help the individualsee which pixel has been selected, region 709 may show the color of theselected macro pixel. Recall, in FIG. 2H, add-on application 106 wasable to emulate user actions to select Fivestars Credit button 222 h.Such automatic detection of the Fivestars Credit button may beaccomplished by add-on application 106 searching for the color andlocation of the presently identified macro pixel. However, if theplacement of the Fivestars Credit button 222 h were to change in theuser interface of point of sale application 104 (e.g., due to theaddition of more payment types), the specified macro pixel may not leadto the correct identification of the Fivestars Credit button. In suchcases, additional tagging information described below in FIG. 7E may beused to locate the Fivestars Credit button.

FIG. 7E depicts screenshot 717 of a user interface with user interfaceelement 718 (e.g., “Macro Image” button) that can be used by anindividual to additionally specify a button (or other user interfaceelement) in the payment screen and/or state that should be automaticallyselected by add-on application 106 (more specifically, to specify animage that is unique to the button that should be automaticallyselected). In other words, the user may first select the Macro Imagebutton 718, and then select an image that is unique to the button thatshould be automatically “clicked”. In the present example, the macroimage is selected as image 720 within the “Fivestars Credit” button.Image 720 may be a group of pixels within the Fivestars Credit buttonthat includes the text “Fivestars Credit,” as the text “FivestarsCredit” is unique to the “Fivestars Credit” button. Subsequent to thistraining, even if the location of the Fivestars Credit button within thepayment screen were to change, add-on application 106 can still locatethe location of the instant button in the payment screen by searchingfor image 720 (e.g., by using a visual grep tool). Alternatively, atrained computer vision and machine learning technology couldautomatically identify the appropriate buttons and their locations inthe point of sale application 104 for desired input actions taken byadd-on application 106, enabling the add-on application 106 tocontextualize and recognize the location of the appropriate button forthe desired input action, in this case, the Fivestars Credit button,which may or may not be accomplished with additional human training.

The following sequence diagrams are presented to summarize the processesdescribed in the above screenshots. FIG. 8 depicts sequence diagram 800for processing a transaction between merchant 112 and customer 124 usingpoint of sale application 104 and add-on application 106. At step 802,point of sale application 104 may process a transaction between merchant112 and customer 124. At step 804, while point of sale application 104is processing the transaction, add-on application 106 may monitor acurrent state (e.g., payment state, refund state, ordering state) of auser interface of point of sale application 104. At step 806, add-onapplication 106 may recognize a triggering event associated with thecurrent state of the user interface (e.g., selection of cash button 223a, selection of credit button 223 b, selection of refund button 223 j,etc.). At step 808, the processing of the transaction may transitionfrom point of sale application 104 to add-on application 106. At step810, add-on application 106 may process the transaction, during whichpoint of sale application 104 may be idle. At step 812, upon completionof the processing of the transaction, add-on application 106 may returna result of the transaction to point of sale application 104 (e.g.,return the amount that was paid by customer 124, return the amount thatwas refunded to customer 124, etc.).

FIG. 9 depicts sequence diagram 900 for processing a payment fromcustomer 124 using point of sale application 104 and add-on application106. At step 902, point of sale application 104 may process atransaction between merchant 112 and customer 124. Processing atransaction may include receiving a selection of items to be purchased.At step 904, while point of sale application 104 is processing thetransaction, add-on application 106 may monitor a current state of auser interface of point of sale application 104 and determine that thecurrent state is a payment state (e.g., based on the location of cancelbutton 221). There may additionally be a verification step to confirmthe identification of the current state. For example, the location ofcancel button 221 may be used to identify the state as a payment state,but the location of other buttons in the current user interface, thetext present in the current user interface, and other attributes in thecurrent user interface may be used to confirm that the state is in factin the payment state. At step 906, add-on application 106 may recognizean intent of customer 124 or merchant 112 to start using financialinstruments (e.g., cash, credit card, debit card, etc.) to transferfunds from customer 124 to merchant 112 (i.e., one example of atriggering event). As described in FIG. 2D, such intent may be expressedby merchant 112 selecting cash button 223 a or credit button 223 b. Atstep 908, the processing of the transaction may transition from point ofsale application 104 to add-on application 106. Stated differently, atstep 908, add-on application 106 may take over the processing of thetransaction from point of sale application 104.

At step 910, add-on application 106 may determine an amount of funds tobe transferred from customer 124 to merchant 112 (e.g., by performing anOCR of total 214 depicted in the user interface of point of saleapplication 104, as described in FIG. 2D). As explained above in FIG.7C, there may be an initial configuration step in which a user specifiesregion 712 in which add-on application 106 should search for total 214.In step 910, other information such as the items that are beingpurchased, tax amount, subtotal, tip amount, etc. may also be extractedfrom the user interface of point of sale application 104. At step 912,add-on application 106 may receive identifying information of customer124 (e.g., phone number, credit card number, etc.), the identifyinginformation associated with a rewards account of customer 124. If acustomer's credit card has already been linked to a rewards account of acustomer, the swiping of a credit card may be sufficient to identify therewards account of a customer. At step 914, add-on application 106 mayfacilitate a transfer of the amount of funds from customer 124 tomerchant 112 (e.g., by displaying user interfaces to facilitate a cashor credit card transaction, processing a credit card, etc.). At step916, add-on application 106 may store information associated with thetransaction with the rewards account of the customer (e.g., total paidby customer 124, tip paid by customer 124, items purchased by customer124, etc.). The information that is stored may include the informationthat was extracted from the user interface of point of sale application104 in step 910. At step 918, upon completion of the processing of thetransaction by add-on application 106, add-on application 106 may returna result of the transaction to point of sale application 104 (e.g.,return the amount that was paid by customer 124). As described above inFIGS. 2H and 2I, step 918 may involve add-on application 106 emulatinguser actions in the user interface of point of sale application 104. Forexample, add-on application 106 may select Fivestars Credit button 222 hto enter an accounting screen, in which various payment amounts (e.g.,subtotal, tip, total, etc.) may be entered into the user interface ofpoint of sale application 104. In another embodiment, selection ofFivestars Credit button 222 h in the payment screen may have the effectof communicating to point of sales application 104 that 1) the exactamount due was tendered, 2) the transaction is closed, and 3) thepurchase total concurrently displayed in the payment screen with theFivestars Credit button 222 h (e.g., purchase total 214 depicted in FIG.2H) should be recorded under the payment type of “Fivestars Credit”. Inthis latter embodiment, no payment amounts need to be entered into anaccounting screen, but it is possible that a tip amount (known only toadd-on application 106) may not be communicated from add-on application106 to point of sale application 104.

FIG. 10 depicts sequence diagram 1000 for processing a transactioninvolving the redemption of rewards using point of sale application 104and add-on application 106. Processing a transaction may includereceiving a selection of items to be purchased. At step 1002, point ofsale application 104 may process a transaction between merchant 112 andcustomer 124. At step 1004, while point of sale application 104 isprocessing the transaction, add-on application 106 may monitor a currentstate of a user interface of point of sale application 104 and determinethat the current state is a payment state (e.g., based on the locationof cancel button 221). At step 1006, add-on application 106 mayrecognize an intent of customer 124 or merchant 112 to start usingfinancial instruments (e.g., cash, credit card, debit card, etc.) totransfer funds from customer 124 to merchant 112 (i.e., one example of atriggering event). At step 1008, the processing of the transaction maytransition from point of sale application 104 to add-on application 106.Stated differently, at step 1008, add-on application 106 may take overthe processing of the transaction from point of sale application 104.

At step 1010, add-on application 106 may determine an amount of funds tobe transferred from customer 124 to merchant 112 (e.g., by performing anOCR of total 214, as described in FIG. 2D). In step 1010, otherinformation such as the items that are being purchased, tax amount,subtotal, tip amount, etc. may also be extracted from the user interfaceof point of sale application 104. At step 1012, add-on application 106may receive identifying information of customer 124 (e.g., phone number,credit card number, etc.), the identifying information associated with arewards account of customer 124. At step 1014, add-on application 106may receive instructions from merchant 112 or customer 124 to redeemrewards that are available in the rewards account of customer 124.Rewards may be redeemed in order for customer 124 to receive a discounton his/her purchase. At step 1016, the processing of the transaction maytransition from add-on application 106 back to point of sale application104. Stated differently, at step 1016, point of sale application 104 maytake over the processing of the transaction from add-on application 106.At step 1018, the redeemed rewards may be applied to the transaction(e.g., applied by merchant 112 through user interface of point of saleapplication 106 or applied by emulating user actions of merchant 112 byadd-on application 106).

At step 1020, add-on application 106 may recognize an intent of customer124 or merchant 112 to resume using financial instruments to transfer areduced amount of funds from customer 124 to merchant 112 (e.g.,selection of continue button 223 i, depicted in FIG. 4H). At step 1022,the processing of the transaction may transition from point of saleapplication 104 back to add-on application 106. Stated differently, atstep 1022, add-on application 106 may take over the processing of thetransaction from point of sale application 104.

At step 1024, add-on application 106 may determine a reduced amount offunds to be transferred from customer 124 to merchant 112 (e.g., byperforming an OCR of total 436, as described in FIG. 4H). At step 1026,add-on application 106 may facilitate a transfer of the reduced amountof funds from customer 124 to merchant 112 (e.g., by displaying userinterfaces to facilitate a cash or credit card transaction, charging acredit card, etc.). At step 1028, add-on application 106 may storeinformation associated with the transaction with the rewards account ofcustomer 124 (e.g., total paid by customer, reward points redeemed,reward points earned by purchase, items purchased, etc.). Theinformation that is stored may also include the information that wasextracted from the user interface of point of sale application 104 instep 1010. At step 1030, upon completion of the processing of thetransaction, add-on application 106 may return a result of thetransaction to point of sale application 104 (e.g., return the amountthat was paid by customer 124). As described above in FIGS. 2H and 2I,step 1030 may involve add-on application 106 emulating user actions inthe user interface of point of sale application 104. For example, add-onapplication 106 may select Fivestars Credit button 222 h to enter anaccounting screen, in which various payment amounts (e.g., subtotal,rewards redeemed, reduced total, etc.) may be entered into the userinterface of point of sale application 104. In another embodiment,selection of Fivestars Credit button 222 h in the payment screen has theeffect of communicating to point of sales application 104 that 1) theexact amount due was tendered, 2) the transaction is closed, and 3) thepurchase total concurrently displayed in the payment screen with theFivestars Credit button 222 h (e.g., purchase total 436 depicted in FIG.4H) should be recorded under the payment type of “Fivestars Credit”. Inthis latter embodiment, no payment amounts need to be entered into anaccounting screen, but it is possible that a tip amount (known only toadd-on application 106) may not be communicated from add-on application106 to point of sale application 104.

FIG. 11 depicts sequence diagram 1100 for processing a refund fromcustomer 124 using point of sale application 104 and add-on application106. Processing a transaction may include receiving a selection of itemsto be refunded. At step 1102, a point of sale application 104 mayprocess a transaction between merchant 112 and customer 124. At step1104, while point of sale application 104 is processing the transaction,add-on application 106 may monitor a current state of a user interfaceof point of sale application 104 and determine the current state to be arefund state. As described above in FIG. 5B, based on the selection ofuser interface element 222 b associated with the refund payment type of“credit card,” add-on application 106 may determine that the userinterface of point of sale application 104 is in a credit card refundstate. At step 1106, add-on application 106 may recognize an intent ofcustomer 124 or merchant 112 to start using financial instruments torefund funds from merchant 112 to customer 124 (i.e., one example of atriggering event). As described in FIG. 5B, such intent may be expressedby merchant 112 selecting refund button 223 j. At step 1108, theprocessing of the transaction may transition from point of saleapplication 104 to add-on application 106. Stated differently, at step1108, add-on application 106 may take over the processing of thetransaction from point of sale application 104.

At step 1110, add-on application 106 may determine an amount of funds tobe refunded by the merchant to the customer (e.g., via the OCR of totalamount 508, depicted in FIG. 5B). In step 1110, other information suchas the items that are being refunded may also be extracted from the userinterface of point of sale application 104. At step 1112, add-onapplication 106 may receive identifying information of customer 124(e.g., phone number, credit card number, etc.), the identifyinginformation associated with a rewards account of customer 124. At step1114, add-on application 106 may facilitate a refund of the amount offunds by merchant 112 to customer 124 (e.g., by displaying userinterfaces to facilitate a cash or credit card transaction, refundingfunds to a credit card, etc.). At step 1116, add-on application 106 maystore information associated with the refund with the rewards account ofthe customer (e.g., amount that was refunded, items that were returned,etc.). The information that is stored may also include the informationthat was extracted from the user interface of point of sale application104 in step 1110. At step 1118, upon completion of the processing of therefund, add-on application 106 may return a result of the transaction topoint of sale application 104 (e.g., return amount that was refunded tocustomer 112). As described above in FIGS. 5E and 5F, step 1118 mayinvolve add-on application 106 emulating user actions in the userinterface of point of sale application 104. For example, add-onapplication 106 may select Fivestars Credit button 222 h to enter anaccounting screen, in which the total amount that was refunded may beentered into the user interface of point of sale application 104. Inanother embodiment, selection of Fivestars Credit button 222 h has theeffect of communicating to point of sales application 104 that 1) thetransaction is closed, and 2) the total refund amount concurrentlydisplayed with Fivestars Credit button 222 h (e.g., total refund amount508 displayed in FIG. 5E) should be recorded in the payment type of“Fivestars Credit”. In this latter embodiment, no refund amount needs tobe entered into an accounting screen.

FIG. 12 depicts components of a computer system in which computerreadable instructions instantiating the methods of the present inventionmay be stored and executed. As is apparent from the foregoingdiscussion, aspects of the present invention involve the use of variouscomputer systems and computer readable storage media havingcomputer-readable instructions stored thereon. FIG. 12 provides anexample of a system 1200 that may be representative of any of thecomputing systems (e.g., point of sale device 102, terminals 114 a/1114b, rewards server 128, servers 130/132, etc.) discussed herein. Examplesof system 1200 may include a smartphone, a desktop, a laptop, amainframe computer, an embedded system, etc. Note, not all of thevarious computer systems have all of the features of system 1200. Forexample, certain ones of the computer systems discussed above may notinclude a display inasmuch as the display function may be provided by aclient computer communicatively coupled to the computer system or adisplay function may be unnecessary. Such details are not critical tothe present invention.

System 1200 includes a bus 1202 or other communication mechanism forcommunicating information, and a processor 1204 coupled with the bus1202 for processing information. Computer system 1200 also includes amain memory 1206, such as a random access memory (RAM) or other dynamicstorage device, coupled to the bus 1202 for storing information andinstructions to be executed by processor 1204. Main memory 1206 also maybe used for storing temporary variables or other intermediateinformation during execution of instructions to be executed by processor204. Computer system 1200 further includes a read only memory (ROM) 1208or other static storage device coupled to the bus 1202 for storingstatic information and instructions for processor 1204. A storage device1210, for example a hard disk, flash memory-based storage medium, orother storage medium from which processor 1204 can read, is provided andcoupled to bus 1202 for storing information and instructions (e.g.,operating systems, applications programs and the like).

Computer system 1200 may be coupled via bus 1202 to display 1212, suchas a flat panel display, for displaying information to a computer user.An input device 1214, such as a keyboard including alphanumeric andother keys, may be coupled to bus 1202 for communicating information andcommand selections to processor 1204. Another type of user input deviceis cursor control device 1216, such as a mouse, a trackpad, or similarinput device for communicating direction information and commandselections to processor 1204 and for controlling cursor movement ondisplay 1212. Other user interface devices, such as microphones,speakers, etc. are not shown in detail but may be involved with thereceipt of user input and/or presentation of output.

The processes referred to herein may be implemented by processor 1204executing appropriate sequences of computer-readable instructionscontained in main memory 1206. Such instructions may be read into mainmemory 1206 from another computer-readable medium, such as storagedevice 1210, and execution of the sequences of instructions contained inmain memory 1206 causes processor 1204 to perform the associatedactions. In alternative embodiments, hard-wired circuitry orfirmware-controlled processing units may be used in place of or incombination with processor 1204 and its associated computer softwareinstructions to implement the invention. The computer-readableinstructions may be rendered in any computer language.

In general, all of the above process descriptions are meant to encompassany series of logical steps performed in a sequence to accomplish agiven purpose, which is the hallmark of any computer-executableapplication. Unless specifically stated otherwise, it should beappreciated that throughout the description of the present invention,use of terms such as “processing,” “computing,” “calculating,”“determining,” “displaying,” “receiving,” “transmitting” or the like,refer to the action and processes of an appropriately programmedcomputer system, such as computer system 1200 or similar electroniccomputing device, that manipulates and transforms data represented asphysical (electronic) quantities within its registers and memories intoother data similarly represented as physical quantities within itsmemories or registers or other such information storage, transmission ordisplay devices.

Computer system 1200 also includes communication interface 1218 coupledto bus 1202. Communication interface 1218 may provide a two-way datacommunication channel with a computer network, which providesconnectivity to and among the various computer systems discussed above.For example, communication interface 1218 may be a local area network(LAN) card to provide a data communication connection to a compatibleLAN, which itself is communicatively coupled to the Internet through oneor more Internet service provider networks. The precise details of suchcommunication paths are not critical to the present invention. What isimportant is that computer system 1200 can send and receive messages anddata through the communication interface 1218 and in that waycommunicate with hosts accessible via the Internet. It is noted that thecomponents of system 1200 may be located in a single device or locatedin a plurality of physically and/or geographically distributed devices.

Thus, an add-on application for a point of sale device has beendescribed. It is to be understood that the above-description is intendedto be illustrative, and not restrictive. Many other embodiments will beapparent to those of skill in the art upon reviewing the abovedescription. The scope of the invention should, therefore, be determinedwith reference to the appended claims, along with the full scope ofequivalents to which such claims are entitled.

What is claimed is:
 1. A method, comprising: while a point of saleapplication is running on a point of sale device so as to process atransaction between a merchant and a customer, monitoring, by an add-onapplication also running on the point of sale device, a current state ofthe point of sale application; based on a triggering event associatedwith the current state of the point of sale application, taking over, bythe add-on application, the processing of the transaction from the pointof sale application; facilitating, by the add-on application, a transferof funds between the merchant and the customer; and upon completion ofthe transfer of funds between the merchant and the customer, reporting,by the add-on application, the transfer of funds to the point of saleapplication by the add-on application operating a user interface of thepoint of sale application, wherein the operation of the user interfaceof the point of sale application comprises inputting, by the add-onapplication within the user interface of the point of sale application,an amount of funds that has been transferred between the merchant andthe customer.
 2. The method of claim 1, wherein the current state of thepoint of sale application comprises one or more of a product selectionstate, payment state or refund state.
 3. The method of claim 1, whereinmonitoring the current state of the point of sale application comprisesmonitoring the user interface of the point of sale application.
 4. Themethod of claim 1, wherein the triggering event includes recognizing anintent of the customer or the merchant to start using financialinstruments to transfer funds from the customer to the merchant, orrefund funds from the merchant back to the customer.
 5. The method ofclaim 1, wherein for the triggering event associated with a paymentstate, the amount of funds that has been transferred between themerchant and the customer comprises an amount of funds that has beenpaid by the customer to the merchant.
 6. The method of claim 1, whereinfor the triggering event associated with a refund state, the amount offunds that has been transferred between the merchant and the customercomprises an amount of funds that has been refunded from the merchant tothe customer.
 7. A non-transitory machine-readable medium for a point ofsale device, the non-transitory machine-readable medium comprisinginstructions that, when executed by a processor of the point of saledevice, cause an add-on application running on the point of sale deviceto: while a point of sale application is running on the point of saledevice so as to process a transaction between a merchant and a customer,monitor a current state of the point of sale application; based on atriggering event associated with the current state of the point of saleapplication, take over the processing of the transaction from the pointof sale application; facilitate a transfer of funds between the merchantand the customer; and upon completion of the transfer of funds betweenthe merchant and the customer, report a result of the transaction to thepoint of sale application by the add-on application operating a userinterface of the point of sale application, wherein operating the userinterface of the point of sale application comprises inputting, by theadd-on application within the user interface of the point of saleapplication, an amount of funds that has been transferred between themerchant and the customer.
 8. The non-transitory machine-readable mediumof claim 7, wherein the current state of the point of sale applicationcomprises one or more of a product selection state, payment state orrefund state.
 9. The non-transitory machine-readable medium of claim 7,wherein monitoring the current state of the point of sale applicationcomprises monitoring the user interface of the point of saleapplication.
 10. The non-transitory machine-readable medium of claim 7,wherein the triggering event includes recognizing an intent of thecustomer or the merchant to start using financial instruments totransfer funds from the customer to the merchant, or refund funds fromthe merchant back to the customer.
 11. The non-transitorymachine-readable medium of claim 7, wherein for the triggering eventassociated with a payment state, the amount of funds that has beentransferred between the merchant and the customer comprises an amount offunds that has been paid by the customer to the merchant.
 12. Thenon-transitory machine-readable medium of claim 7, wherein for thetriggering event associated with a refund state, the amount of fundsthat has been transferred between the merchant and the customercomprises an amount of funds that has been refunded from the merchant tothe customer.
 13. A point of sale device, comprising a processor and amemory, the memory storing instructions that, when executed by theprocessor, cause an add-on application running on the point of saledevice to: while a point of sale application is running on the point ofsale device so as to process a transaction between a merchant and acustomer, monitor a current state of the point of sale application;based on a triggering event associated with the current state of thepoint of sale application, take over the processing of the transactionfrom the point of sale application; facilitate a transfer of fundsbetween the merchant and the customer; and upon completion of thetransfer of funds between the merchant and the customer, report a resultof the transaction to the point of sale application by the add-onapplication operating a user interface of the point of sale application,wherein operating the user interface of the point of sale applicationcomprises inputting, by the add-on application within the user interfaceof the point of sale application, an amount of funds that has beentransferred between the merchant and the customer.
 14. The point of saledevice of claim 13, wherein the current state of the point of saleapplication comprises one or more of a product selection state, paymentstate or refund state.
 15. The point of sale device of claim 13, whereinmonitoring the current state of the point of sale application comprisesmonitoring the user interface of the point of sale application.
 16. Thepoint of sale device of claim 13, wherein the triggering event includesrecognizing an intent of the customer or the merchant to start usingfinancial instruments to transfer funds from the customer to themerchant, or refund funds from the merchant back to the customer. 17.The point of sale device of claim 13, wherein for the triggering eventassociated with a payment state, the amount of funds that has beentransferred between the merchant and the customer comprises an amount offunds that has been paid by the customer to the merchant.
 18. The pointof sale device of claim 13, wherein for the triggering event associatedwith a refund state, the amount of funds that has been transferredbetween the merchant and the customer comprises an amount of funds thathas been refunded from the merchant to the customer.